Grays Independent Financial Services have been providing friendly, accurate and relevant financial advice for over twenty years across Gloucestershire and the South West. As a Cheltenham IFA with a difference we really do care about your future, not just about your finances.

We aim to help you celebrate the best times of your life by making your money work for you through practical financial advice.

We can also help you prepare for the not so good times too, no matter what life throws at you. Using our expert financial advice we can make sure that you have the right cover to ensure that your bills are paid, you still receive money if you can't work and that your loved ones are looked after should the worst happen.

What Makes us Different?
• Flexible home visits
• Excellent customer care
• Bi-annual or annual financial reviews
• Free financial reviews
• Searching the entire market for the best financial solution
• Practical and impartial financial advice

Joan Gray - Joan has over 30 years experience within the industry and her overriding philosophy has always been that the customer really is king and that without customers, she has no business. Joan is committed to continually improving her professional development and holds the coveted ACII qualification (which has the status of charted insurance practitioner) as well as her Advanced Financial Planning Certificate, making Joan one of the highest qualified IFA's across Gloucestershire and the South West. She firmly believes in providing the highest standards of customer care as principal of Gray’s Group.

Together with her team, Joan ensures that you receive the best possible service and most relevant financial advice at all times. Unlike some of our competitors, we will never just sell you a policy and leave you to it. We will always make sure your money is continually working for you.